Miller & Martin PLLC
Updated Filing received by DOL
Miller & Martin PLLC, a professional & technical services employer in Chattanooga, Tennessee, reported 174 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows $560,887 in insurance premiums across 13 contracts and $107,025 in broker commissions and fees, 13.3% of medical premium against a national median of 3.8% among plans that paid commissions in plan year 2024. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on October 9, 2025, within the extension window.
Who was paid on Miller & Martin PLLC's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Miller & Martin PLLC filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Russ Blakely · Chattanooga, TN | $68,910 | $0 | $68,910 | 1 |
| Evergreen Management Inc · Chattanooga, TN | $17,448 | $2,189 | $19,637 | 4 |
| The Baldwin Group · Tampa, FL | $5,179 | $873 | $6,052 | 7 |
| Brent Wick · Chattanooga, TN | $5,920 | $0 | $5,920 | 1 |
| Evergreen Consulting Inc · Chattanooga, TN | $3,599 | $355 | $3,954 | 2 |
| Marsh McLennan Agency · Chattanooga, TN | $1,040 | $48 | $1,088 | 4 |
| Oehmig, William, Brit · Chattanooga, TN | $263 | $0 | $263 | 1 |
| The Dyer Agency · Chattanooga, TN | $176 | $0 | $176 | 2 |
| Jack B Turner & Associates Inc · Clarksville, TN | $0 | $105 | $105 | 1 |
| Dyer, Douglas M · Chattanooga, TN | $51 | $0 | $51 | 1 |
| Davis Smith & Brown Inc · Chattanooga, TN | $45 | $0 | $45 | 1 |
Source: DOL Form 5500 Schedule A, Part I (broker commissions and fees), plan year 2024, as published in EBSA's 2024 "Latest" dataset. Part I names whoever the carrier paid, which can be a firm or an individual agent; both are public record. Amounts exclude pay from carriers not tied to a listed contract.
Insurance contracts and carriers
Every insurance contract reported on Schedule A: carrier, what it covers, people covered at year end, earned premium, and broker compensation.
| Carrier · coverage | Covered | Premium | Broker pay | Rate |
|---|---|---|---|---|
| Bluecross Blueshield of Tennessee, Inc.health, dental | 279 | $560,887 | $74,830 | 13.3% |
| Life Insurance Company of North Americacoverage not coded | 175 | — | $285 | — |
| Unum Life Insurance Company of Americacoverage not coded | 174 | — | $5,230 | — |
| Provident Life and Accident Insurance Companylong-term disability | 1 | — | $368 | — |
| Unum Life Insurance Company of Americacoverage not coded | 242 | — | $5,823 | — |
| Provident Life and Accident Insurance Companyshort-term disability | 28 | — | $521 | — |
| Unum Life Insurance Company of Americacoverage not coded | 15 | — | $794 | — |
| Unum Life Insurance Company of Americalong-term disability | 161 | — | $6,603 | — |
| Unum Life Insurance Company of Americashort-term disability | 26 | — | $2,315 | — |
| Unum Life Insurance Company of Americalife | 38 | — | $4,665 | — |
| Provident Life and Accident Insurance Companylong-term disability | 1 | — | $45 | — |
| Provident Life and Accident Insurance Companycoverage not coded | 9 | — | $2,827 | — |
| Guardianvision | 96 | — | $2,719 | — |
Source: DOL Form 5500 Schedule A, plan year 2024. Self-funded medical coverage has no premium; amounts shown for it are stop-loss or administrative contracts.
How Miller & Martin PLLC compares
Medians across employers for plan year 2024, the most recent complete year. Commission rates use fully insured medical contracts only; dollar medians use every employer that disclosed broker pay.
Premium per covered person on medical contracts: $2,010 a year (national median $7,274).
Source: BenefitsLedger benchmarks from 58,547 employer health plans with 100 or more participants, plan year 2024. Methodology.
Year over year
| 2023 | 2024 | Change | |
|---|---|---|---|
| Participants | 182 | 174 | −4.4% |
| Premiums filed | $494,465 | $560,887 | +13.4% |
| Broker commissions + fees | $100,484 | $107,025 | +6.5% |
| Commission rate | 13.9% | 13.3% | −0.6 pts |
Source: DOL Form 5500 filings for plan years 2023 and 2024.
Filings and timeliness
Plans this employer filed under its EIN with a health benefit code. Large plans are due seven months after the plan year ends, or two and a half months later with an extension; amended filings carry the amendment date, so no timing is asserted for them.
| Plan | Plan year end | Received by DOL | Timing | Participants |
|---|---|---|---|---|
| Miller & Martin Flexible Benefits Plan#501 · insurance, general assets | December 31, 2024 | October 9, 2025 | within extension | 174 |
Source: DOL Form 5500 Part I and signature dates; "late" means received after the extended deadline (the 15th day of the tenth month after plan year end). What a late Form 5500 costs.
How much did Miller & Martin PLLC pay in health insurance broker commissions in 2024?
Miller & Martin PLLC's 2024 Form 5500 reports $107,025 in broker commissions and fees across 13 insurance contracts ($106,152 in commissions, $873 in fees), with Russ Blakely receiving the largest share.
Is Miller & Martin PLLC's health plan self-funded or fully insured?
The 2024 filing indicates the plan is a mix of insured and self-funded coverage. Medical coverage is written by Bluecross Blueshield of Tennessee, Inc..
How does Miller & Martin PLLC's broker compensation compare with similar employers?
Miller & Martin PLLC paid 13.3% of medical premium in commissions and fees. The median for employers with 100-199 participants is 4.2%, and the median in Tennessee is 3.9%. Percentages are computed only on fully insured medical contracts with filed premiums.
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Record built October 24, 2026 from U.S. Department of Labor, EBSA Form 5500 datasets (2025, 2024, 2023 plan years, 'Latest' files). Filings can run 7 to 10 months behind the plan year; always confirm against current plan documents. BenefitsLedger is not affiliated with the U.S. Department of Labor. Open the DOL filing search.